After Amputation / Limb Loss (of use)

Life insurance for Amputees / Loss of Limb (of use)


The availability of Life Insurance for Amputees depends on many factors. Pulse specialise in finding cover when most insurers decline to cover you.

  • If your amputation(s) were the result of injury, then often cover may be available in the mainstream market.
  • If the amputation(s) were the result of a disease, this usually does have a more profound impact on the availability and cost of cover in the mainstream market.

It is however difficult to generalise and the amputation of one or more limbs typically can reduce life expectancy to some degree.

Not all standard insurers are willing to offer Life Insurance to Amputees; Pulse can find cover for many, but not all amputees.

If you have not already been declined for life cover, you could consider approaching mainstream insurers first.


Key Issues for Amputees

Amputation of one or more limbs typically can reduce life expectancy to some degree. Other more minor amputations may have a much-reduced impact.

Where your amputation was caused by Diabetes (Type 1)Diabetes (Type 2) or Deep Vein Thrombosis (DVT) or another medical condition, it is likely that you may be declined by many insurers and Pulse can and do help others in your situation.

If you already had, or since have, been diagnosed with any other medical conditions, these can also affect the availability of life cover. These will also be taken into account by all Pulse’s underwriters.

As each person’s situation is likely to be somewhat unique and while generalisations are difficult, Life Insurance premiums will be higher than standard premiums for most amputees.

You are welcome to contact us in the first instance before submitting an online enquiry, if you prefer.


Why Pulse Insurance? 

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are good at helping people find the cover they need.


Being Transparent

It is always important to declare all your medical conditions completely.  Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.

Your Personal & Medical Details

Everything you disclose about your health and any medical conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

Your Health

Your Pulse underwriting specialist will look to gain a detailed picture of your health and you should take care to disclose everything. These factors will be explicitly considered when determining the fair premium, you would pay.

Life cover is issued based on a “snapshot” of your health.  Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.


Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Amputation(s) and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details. We will use your details to provide the service you have asked for according to the permissions you grant us – read our Privacy and Data Protection policy in full. 


Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to [email protected] or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

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